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Upstart Personal Loan Calculator, Interest Rates & Overview

Updated 5 March 2024

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Upstart personal loans overview

Upstart offers tailored personal loans with low rates, flexible repayment plans, and quick funding. You can use the funds to cover your expenses – be it for credit cards, large purchases, or anything. Plus, Upstart uses a comprehensive review of your application, so you can still apply with a low credit score or limited credit history.

Want to see what an Upstart personal loan will cost? Try the Upstart personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: $1,000.
Maximum loan amount: $50,000.
Interest rates: 5.20% to 35.99% APR.
Loan terms: Up to 60 months.
Loan fees: 0% to 12% origination fees.
Discounts: Undisclosed.

Upstart personal loan options

Personal loans

You can quickly borrow up to $50,000 from Upstart no matter what you need to finance. Interest rates start as low as 5.20% APR, and you can pay your loan for up to 60 months. Plus, you can check your rate without affecting your credit score.

Upstart personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an Upstart personal loan

Eligibility criteria

To qualify for Upstart personal loans, you need to meet the following:

Have a U.S. street address that you currently reside at
Not reside in Colorado, Iowa, Louisiana, Maryland, Nevada, or West Virginia
Have a valid email account
Be employed, accept a job and will start within 6 months, or have another verifiable income source
Have a personal banking account at a U.S. financial institution

Though Upstart requires a minimum credit score of 300, building your credit can help you get a lower rate and a better loan term. This way, you can secure personal loans that will save you more in the long run.

What you’ll need to have ready

Personal details

When you apply for personal financing with Upstart, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You can apply for the loan directly on Upstart’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Note though that you can’t negotiate the rate and term Upstart offers. So, compare other lenders and options. It helps to understand the loan application process , too. This will give you an insight into your choices and guide you in weighing them before accepting a personal loan.

Ways to apply for a Upstart personal loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-855-438-8778

Additional Upstart personal loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but personal loans may take a day or more based on your application.

Rate discounts: Potential lower rates for applicants with excellent credit scores.

Repayment frequency: Monthly.

Late payment fees: 5% of the balance or $15 (whichever is more).
Prepayment penalty: $0.

Co-borrowers allowed: No.
Co-signers: Not allowed.

Hardship program: Hardship assistance available. (Fill out form).

Ways to repay: Recurring ACH, manual ACH, and check.

PROS AND CONS

Pros

Low interest rates.
Long terms.
Flexible loan amounts.
Low credit score requirement.
No prepayment penalties.
Quick funding.
Soft credit check offered.
Fixed interest rate for predictable monthly payments.
Convenient online application.
Accepts borrowers with limited credit history.

Cons

One-time origination fee.
Co-borrowers and co-signers not allowed.
Not available in all states.
Potential higher APRs for borrowers with poor credit scores.

FREQUENTLY ASKED QUESTIONS

Where to apply for an Upstart personal loan?

You can apply online.

How much can I borrow from Upstart?

Upstart offers personal loans from $1,000 to $50,000.

How much must I earn to qualify for Upstart loans?

You need a min. annual income of $12,000.

How much interest rate does the Upstart charge on personal loans?

Personal loans have APRs ranging from 5.2% to 35.99%.

Are Upstart personal loans fixed or variable?

Upstart loans have fixed interest rates.

What is the maximum term of an Upstart personal loan?

You can pick a repayment term from 3 to 5 years or 36 to 60 months.

How do I pay my personal loan?

You can make monthly payments through recurring ACH, manual ACH, and check.

Can I repay my personal loan early?

Yes. Upstart personal loans don’t come with early payment fees.

How long does it take for an Upstart loan to be paid into my account?

Borrowers mostly receive the funds in 1 business day.